By Francis M. Smith
Q: Do I need to buy a separate insurance policy for my motorcycle?
A: Yes. Car insurance does not extend to cover motorcycles, due to the significant differences in risk between the two kinds of vehicle, so you will need to purchase a separate motorcycle insurance policy, regardless of whether you already have auto insurance. New Jersey law requires riders to carry a minimum of $15,000 per person and $30,000 per accident of liability coverage. However, this legal minimum is almost certainly insufficient coverage for any serious accident. If a passenger riding with you is hurt, their injuries could be very severe and require extensive medical treatment. Liability coverage of at least $100,000 per person and $300,000 per accident is recommended, along with an equal amount of uninsured/underinsured motorist (UIM) coverage.Read More